Homeland Community Bank :: McMinnville, Tennessee

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to and separate from the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand accounts that may earn interest, NOW Accounts, money-market deposit accounts and interest on Lawyers Trust Accounts ("IOLTAs") For more information about temporary FDIC insurance coverage accounts, visit www.fdic.gov.

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Bill Pay Made Easier

Along with a new Online Banking Image, effective January 24, 2012, Homeland Community Bank will offer an enhanced CheckFree Bill Pay system that will allow an easier, faster, and simpler way to pay your bills. It will remind you when your bills are due and let you select the exact day you want your payment to be received. All current Bill Pay customers will need to re-enter Bill Pay information into the new CheckFree system. Any scheduled payments after January 22, 2012 must be entered into the new system to be effective.

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